10595 Keller Dr, Saint Charles, MN 55972 Property Records

Winona County property record for 10595 Keller Dr, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,584 sqft · built 1999
Lot Size	8 acres (348,480 sqft)
Owner	2 Individual Names on File
Last Sale	$87,036 (Jul 2021)
Tax Bill	$3,748 (2026)
Deeds & Mortgages	Jul 2021 Transfer Mar 2018 Line of Credit
APN	`14.000.1180`

Property Details

APN / Parcel Number

Primary APN	`14.000.1180`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,584 sqft Living Area
1st Floor Area	1,584 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	348,480 sqft (8 acres)
Garage Area	624 sqft
Deck Area	370 sqft
Shed	1 Shed
Shed Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10595 KELLER DR
City	SAINT CHARLES
State	MN
Zip	55972-4074
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ANR
Legal Description	SECT-18 TWP-105 RANGE-010 PAR IN N1/2 SE1/4 AS PER M.F. 259252
Legal Range	010
Legal Township	105
Legal Section	18
Jurisdiction	WINONA MN
Township / Civil Division	SARATOGA
Census Block Group	1
Census Block	1068
Census Tract	671000

Owner

10595 Keller Dr is owned and occupied by two individuals who bought it in July 2021.

Source: Winona County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10595 KELLER DR, SAINT CHARLES, MN 55972-4074
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Intrafamily Transfer, Transfer
Mar 12, 2018	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2021 · Amount on File
Deed Sale	Jul 2, 2021 · Amount on File
Deed Document Number	2021635143
Prior Transfer Date	Jul 1, 2021
Prior Transfer Doc	635142
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Jul 2, 2021
Property Address	10595 KELLER DR, SAINT CHARLES, MN 55972-4074
Document Number	635142
Instrument Date	Jul 1, 2021
Instrument	635142
Transaction Type	Transfer
Record Updated	Jul 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10595 KELLER DR, SAINT CHARLES, MN 55972-4074

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	10595 KELLER DR, SAINT CHARLES, MN 55972-4074
Transaction Type	Mortgage
Record Updated	Jun 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	608739
Date	Mar 12, 2018
Instrument	608739

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 10595 Keller Dr was $3,748 with a homeowner's exemption.

Source: Winona County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Winona County
County Subdivision	Saratoga Township
Unified School District	St. Charles Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,748.00 Homeowner's exemption	$503,800 (+9.07%) Land $133,300 Building $370,500	$503,800 (+9.07%) Land $133,300 Building $370,500
2025		$461,900 Land $133,300 Building $328,600	$461,900 Land $133,300 Building $328,600
2023	$3,400.00 Homeowner's exemption	$423,000 Land $119,000 Building $304,000	$423,000 Land $119,000 Building $304,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 10595 Keller Dr; there have been 37 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	37 (1982–2007)
Claims Outside the SFHA	2 of 37
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 10 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10595 Keller Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Hiawatha Broadband Communications Fixed Wireless	100 / 20
Mediacom Xtream Fixed Wireless	100 / 20

May also be available: CenturyLink, T-Mobile, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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